Bree

Overview

Bree is a Canadian fintech app that provides small, interest-free cash advances of up to $750 to help users cover expenses before their next paycheque. Unlike payday lenders, Bree charges no interest and no mandatory fees, and it never performs a credit check — it looks at your banking history instead. The service is designed to help Canadians avoid costly overdraft (NSF) fees and high-interest payday loans. Over 800,000 Canadians have used it.

How it works

1. Download the app and connect your chequing account (the one your pay is deposited into).
2. Bree reviews your banking history — recurring direct deposits and account balance — rather than your credit score.
3. Apply for an advance in minutes and, if approved, get funds the same day.
4. Choose standard delivery (free, 1–3 business days) or instant delivery (in minutes, for a fee).
5. Repay automatically when you next get paid. Repayment can run up to 90 days, and extensions are available by contacting support.

Eligibility

• Be the age of majority in your province (18 or 19+)
• Be a Canadian resident
• Have an active chequing account with recurring direct-deposit income (roughly two consecutive paycheques of history)
• Maintain enough balance to comfortably repay the advance
• No minimum credit score and no credit check

Rates & fees

• Interest: 0% — there is no interest, ever.
• Mandatory fees: None. Borrow $100 on standard delivery and you repay exactly $100.
• Instant-transfer fee (optional): $2.99–$45.99 per advance, scaling with the amount, only if you want the money in minutes.
• Membership (optional): $2.99/month (1-month free trial) for budgeting tools, financial insights, and express funding access. Cancel anytime; not required to borrow.
• Tips (optional): Voluntary, can be set to $0, and never affect eligibility or limits.
• Late fees: None.

Is it worth it?

For Canadians who need a little breathing room before payday, Bree is one of the cheaper, lower-risk options: no interest, no late fees, no credit impact, and the core service is free on standard delivery. The trade-offs are modest starting limits and the cost of instant transfers — but with everything optional and cancellable, the downside is low.